Analysis Of Agribusiness Loan Business In A County Bank

Rural economic development are an important force in rural construction,agricultural loans is an important content of rural economic development, also is the important indicators of the rural financial development, agricultural loans in promoting rural financial development, promote the upgrading of agricultural industry and increase farmers' income has played a large role, and in the current new rural construction has played an important role, at the same time, also promote the overall urban and rural development, the core elements of agricultural modernization realization.For A city as A county county, actively promote agricultural loans, improve the agricultural loan business is very important, A county bank is to serve the main force of A county farmers, farmers loans subject, in the new policy and situation, how to promote the building of agricultural loans, solve the problem of farmers, farmers loans difficult, become A very important, is worth us to study the subject.In this paper,from A perfect county bank agricultural loan business point of view, select the representative of A county bank agricultural loan business.First, this paper summarizes the national bank for agriculture loan business development situation, clarify the meaning of agricultural loan business and types;Then, this paper expounds A county bank survey and business principle and operating characteristics of the process of A county bank agricultural loans and to introduce the scale;Next, to A county bank agricultural loan business risk analysis,respectively from the policy risk, environment risk, credit risk, operating various Angle analysis, and summarizes the investigation found the problems existing in the agricultural credit business.Finally, theory combined with the actual, specific to A county bank credit business risk points and existing problems put forward countermeasures and Suggestions.Article thinks A county bank can through strengthen agricultural loans, innovation, business process of fine management suitable for the development of the rural financial loan guarantee way, the development of agricultural industry chain,innovation and promotion for "agriculture,rural areas and farmers"loans customers credit class new products and improve the agricultural credit risk management mechanism, to carry out the agricultural loans combined with insurance mode of financial services and improve the credit management, the comprehensive measures of incentive mechanism, improving the quality of agricultural bank credit business.